1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
Meet and exceed individual activity metrics for all product lines
Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
Outbound calling to target both existing and prospective customers
Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
Establish, develop and maintain business relationships with existing and prospective customers to generate new business
Participates in cross selling bank products.
Maintain detailed tracking of pipeline management and of prospect data and activities
Set up in person visits, appointments and presentations, following up telephonically where necessary
Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
Scheduling customer feedback for obtaining documents and progress updates
Adhere to Supervision requirements set out by Line Manager for all financial products
May prepare weekly, monthly and quarterly reporting and present results to management
Ensure effective Cash Management as and when required with approved authorization.
Ensure effective CAM Management as and when required with approved authorization
Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
Ensure accountability for your own results

2 - Marketing Focus
Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
Identifying referral opportunities in and around the branch
Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
Participates in events that demonstrate support for the community and increase business opportunities for the Bank
Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 - Risk & Compliance Focus
Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
Comply with all policies/procedures related to all customer interactions and engagements
Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 - Customer Service
Ensure compliance with the Banks Customer Service Standard and relevant legislation
Ensure compliance with TCF principles
Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 - Training & Development
Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 - Operational Activities
Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 - Marketing Focus
• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 - Risk & Compliance Focus
• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 - Customer Service
• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 - Training & Development
• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 - Operational Activities
• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 - Marketing Focus
• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 - Risk & Compliance Focus
• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 - Customer Service
• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 - Training & Development
• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 - Operational Activities
• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

1 - Internal Audit planning
?1. Identify audit needs and areas for review and provide input to Internal Audit Manager regarding the annual plan
?2. Review Operational Risk and other appropriate documentation prior to commencement of review (including best practice).
?3. Document processes to obtain an understanding of activities
?4. Evaluate and score documented inherent risks
?5. Evaluate and score documented management controls
?6. Prepare audit programmes and relevant audit tests to be executed for manager approval

2 - Internal Audit execution and review
?1. Lead audit engagements covering the assigned portfolios including risk assessments, audit planning, audit testing, control evaluation, gather and maintain supporting documentation for each audit and control objective addressed, audit report drafting and follow-up and verification of issue closure.
?2. Conduct review of working papers, report and audit files prepared by Internal Audit Specialists for completeness and quality (where applicable).
?3. Accountable for meeting deliverables timely, adhering to departmental and professional standards and utilizing consistent methodology.
?4. To provide guidance and execute specialised audits for the portfolio, including the provision of industry/ best practice knowledge to enhance the audit process and the audit report.
?5. Execution of sections of the audits where additional specialised skills / expertise is required.

3 - Conclude & report findings
?1. Communicate audit findings to management and identify opportunities for improvement in the design and effectiveness of key controls.
?2. Conclude on audit opinion in reports (in executive summary) based on results of audits executed.
?3. Discuss reports with senior management and obtain management comments and target dates.
?4. Assist in the preparation of ad hoc reports (e.g. Exco, Audit Committee, Reserve Bank etc.).

4 - Portfolio Management
?1. Stakeholder Engagement
•2. Regular Portfolio discussions with key stakeholders.
•3. Quarterly and annual insights presentation on portfolio to IA team incorporating insights received from engagement with stakeholders.
•4. Portfolio risk assessment discussion prior to mid - year risk assessment and year- end audit planning session (at a GIA level that feeds into the annual audit plan).
?5. Portfolio Reporting
•6. Provide regular reporting to IA management and the IA team on:
?a. Changes in the portfolio’s organizational structure and key stakeholders
?b. Updates from stakeholder meetings (insights), financial performance (aspirations and actuals) and competitor’s performance.
?c. New products, processes, initiatives and any other significant matters and changes.
?7. Portfolio Issues Tracking
•8. Ensure outstanding issues log is up to date for the portfolio.
•9. Monthly engagements with owners of actions.
•10. Foresight before issues become overdue and concerns raised in writing at the relevant governance forum.
?11. Governance Committees
•12. Participate in quarterly meetings with ERM and Compliance in preparation for Combined Assurance meeting, future audits, Combined Assurance, Risk Exco and Audit Committee reporting.
?13. Collaboration with other GIA teams
•14. Formalised knowledge sharing sessions with other portfolios within GIA
•15. Investigate, recommend and apply most appropriate audit tools for reviews under the portfolio and within the department

5 - Treating Customers Fairly and Compliance
?1. Create and maintain productive relationships with internal and external clients by providing insight.
?2. Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings.
?3. Build a positive image by exceeding client expectations at all times.
?4. Treat internal and external customers fairly at all times.
?5. Build and maintain key relationships with stakeholders, establishing a culture of engagement while adding value.

6 - Brand building and service delivery
?1. Create and maintain productive relationships with internal clients through continuous conversations and being accessible.
?2. Assist the client to understand their role relating to risks and controls as well as Internal Audit’s role in providing an independent assessment of risks and controls. Encourage management in considering risks in the decision making process
?3. Keep the client informed about changes in legislation/industry trends and current audit findings through written communication, telephone communications and interpersonal meetings.

7 - Travel
1. Driver’s Licence/ own transport is required.
2. To be willing to travel for work/ meetings in and around Johannesburg.
3. To be willing to travel domestically with potentially a few nights stay over.

1. Development of Audit Plan and Strategy

 • Develop and execute audit plan and multiple year strategy to evaluate critical risk within African Bank that goes to the AC for approval.  The Annual Plan needs to be risk-based audit plan to ensure that critical and high-risk areas receive proper audit coverage. Including coverage on regulatory, financial and compliance matter s    
• Formulate and execute any multiyear audit strategy (people, resources, systems) that is forward looking that takes into consideration of assurance needs for organisation currently and for its future state. Principle objective is to ensure that function is fit for purpose now and in the future.
• Review and approval of all engagement to ensure that defined scope aligns to principle objective of annual plan and business objectives.
• Review and exercise oversight over the Audit Annual Plan and update according to changes to the internal and external environment. 
• Implementation of annual planning process that results in delivery of Annual Plan to the Audit Committee
• Allow and create flexibility within the plan for Ad-hoc request

2. Execution and delivery 

• Proactively and independently lead the Personal Banking internal audit team as one of the four pillars of corporate governance, along with the board of directors, executive management and the external auditor.
• Coordinates audit activities with other assurance functions (e.g. Risk, Compliance and External Audit).
• Accountability of delivery of Annual Audit plan within budget and agreed timeframe by the Audit Committee 
• Accountability for setting IA standards and methodology in line with industry and professional leading practice.  
• Coordinates efforts with the external auditor and management to maximize efficiency.
• Constantly challenge the department to improve performance, efficiency, quality and innovate.  
• Constantly safeguard and ensure the department independence and functional ability to act as the third line of defence is maintained. 
• Monitor staff in daily tasks, operations and quality control; ensure the organisation of assigned areas of the department, coordinating available resources (e.g. staff, tools, etc.) for maximum results.
• Review the adequacy and effectiveness of controls established to ensure compliance with the Bank’s policies, plans, procedures, and business objectives, and identify and assess potential risks to the Bank’s operations.
• Manage ad-hoc assignments as requested by management and/or direct complex assignments that require both high levels of integration and specialised knowledge and skills in performance, financial and compliance audit projects. 

3. Audit Reporting and Communication

 • Provide an annual written assessment on the soundness of internal controls and the control environment within African Bank Holdings to the Exco and Board in terms of the Companies Act, Regulation 38 of Banks Act and King IV to enable the Board, CEO and CFO to conclude and report annually to stakeholders on the effectiveness of the Bank’s control environment and internal controls.
• Present quarterly reporting to the Board Audit Committee and Risk Committee on significant matters relating to internal audit, internal controls, and risks.
• Pursue the timely remediation of significant audit issues.
• Communicate the status of open significant audit issues to the Audit Committee and Exco.
• Perform special audits when requested by the Audit Committee or Management, including the investigation of significant suspected fraudulent activities and insider abuse.
• Frequent engagement with CEO, CRO, CFO and members of Audit Committee on top risks and/or audit related matters.
• Express an opinion on adequacy and effectiveness of internal controls. 
• Implement a repeatable communication process of reporting results of audit activities within the organisation to various internal stakeholders ensuring that communication is in the right format, size and appropriate disclosure and remediation can be implemented and tracked.
• Accountable for ensuring that reports issued are of high quality, insight into root causes and provide adequate guidance for remediation.   
• Report audit findings and recommendations based on the results of audits to Exco and Board when issues need to be addressed.
• Respond to matters that emerge from appropriate referring bodies (the Board of Directors, CEO and other senior executives).
• Submit periodic internal reports and summaries of audits to Exco, Board and Audit Committee. Attend Audit Committee meetings and provides explanations of audit findings as needed to assist the Audit Committee members in their understanding of the issues.
• Cooperates with internal and external entities and risk control units on investigations into major control issues. Including coordinating with external audit and management to ensure the Audit Committee receives effective information, data and analysis on identified critical control risks or issues.
• Ensures reporting of results to the organisation are clear, concise and delivered in the context of the underlying risk to the organization.

4. Contributing to Improvement of Risk and Control Culture, Efficiency and Optimisation within the Organisation

 • Make available to management, tools and techniques used by internal audit to analyse risks and controls. Coach and advise management in responding to risks.
• Lead the function in safeguarding and protecting the assets of the organisation. 
• Proactively provide advice to management and/or the Board regarding the reporting of forward-looking operating measures to help identify potential emerging risks.
• Provide an independent appraisal of controls and processes that govern financial integrity, operational effectiveness, technology, privacy and compliance with laws and policies.
• Regularly interface and develop strong working relations with executive management to actively respond to changing technology risks/demands and represents the Internal Audit function on various committees as required.
• Proactively identify inefficiencies in processes and controls, conduct root cause analysis, develop new approaches, and advise on the implementation of new processes.
• Monitor the process and control implications of ongoing business changes and ensure that processes and controls are a focus when integrating changes. 
• Process, solve and answer complex transactions, problems or inquiries.
• Communicate findings and obtain agreement and commitment of implementation of recommendations with management that appropriately respond to risks identified and address root causes.
• Work with business leaders to ensure completion of corrective actions to address concerns identified during audits.
• Provide insight and thought leadership on strategic and risk management activities of the Bank.
• Play active and participatory role in governance and executive committee structures within organisation by highlighting risk, opportunities and optimisations. Play a leadership role in the organisation in relation to the company's mission and core values.
• Act as the central point for coordinating, monitoring and reporting on risks as part of a Combined Assurance Framework. Take leadership role in this forum. 
• Provide advice and other substantive and administrative support to the Audit Committee, CEO and CFO to help fulfill their fiduciary responsibilities.
• Assesses the reliability of financial information and the systems and operations, including those outsourced that produce this information.

5. Stakeholder Relationship Management

 • Maintain a strong relationship with key stakeholders including leading engagement with the Board, Executive Committee and business functions in creating a strong culture of compliance.
• Proactively manage relationships with the regulators ensuring transparent, open and clear communications and that regulatory requests are logged, managed and responded to in a timely fashion.
• Act as a proactive business partner ensuring timely communications to senior stakeholders for relevant regulatory matters.
• Drive and lead the spreading of awareness for all relative Audit activities and functions highlighting its implications through providing training and clear and robust advice on regulatory change.
• Provide advise and consultation to the Bank’s stakeholders to ensure avoiding overlapping/ conflict of interests and abiding to the governing rules and regulations.
• Oversee development and delivery of a robust Internal Audit program ensuring adequate coverage of regulatory high-risk areas that any material issues are reported and escalated in a timely manner.
• Develop and maintain strong relationships with other functions in the organisation to achieve greater understanding of operational requirements and integration. 
• Provide direct independent input to the relevant management and executive committees, ensuring adequate Internal Audit oversight, influence and challenge of the relevant risks and control environment of African Bank to maintain a strong and effective control environment.
• Serve on relevant governance forums representing Internal Audit and report to relevant Board Committees including Board Audit Committee and Board Risk Committee, reporting on relevant audit matters. 
• Present a comprehensive internal audit report to the Board Audit Committee on a quarterly basis, as well as an annual/quarterly plan of the Internal Audit activities, with clear recommendations related to solving problems encountered in managing audit risks.

6. People and Organisation Management

 • Develop and manage direct reports. Manage the hiring, training and development of Internal Audit staff and any co-sourcing or consulting resources used by the function in accordance with the approved budgets for these engagements.
• Performance management of direct reports.
• Focuses on key technology systems and existing manual processes which could benefit from automation to improve processes, create efficiencies, or serve clients better. Incorporates use of technology and tools such as data analytics, surveys, etc. into the audit and risk reporting processes.
• Identifies areas for process improvement and present best practices and benchmarks.
• Training and development for direct line and department. Develop a training program for the professional audit staff.
• Employee relations - oversee staff assignments and drives employee engagement efforts.
• Recruitment and maintain an optimal staffing level for the function to be a value-added business partner sourcing talent for the organization over time and utilizing co-sourcing of certain skills in a cost-effective manner.
• Investigate and recommend and apply most appropriate audit tools for the current and future state.
• Develop and implement succession plan for key positions in the team.
• Maintain and monitor budget for the Internal Audit function.

7. Policies, Processes and Procedures

 • Develop and oversee the implementation of the Internal Audit policies, processes and procedures to ensure all relevant procedural/legislative requirements are fulfilled.
• Review and provide input into functional and group policies, procedures and systems set to ensure alignment with the overall objectives of the Bank.
• Ensure compliance with all relevant regulations, banking laws, AML regulations and internal policies and code of conduct in order to maintain Internal Audit function’s sound legal position and mitigate any potential risks.

MINIMUM EDUCATION

 Post Graduate Degree in Finance, Internal Audit, Banking or related fields.
CISA/CIA/CRISC

MINIMUM EXPERIENCE

 At least 12 years’ combined experience in auditing (with emphasis on Regulatory reviews and IT/Change/Project Assurance

CRITICAL COMPETENCIES

 • Knowledge of transaction banking and lending/credit products and related models in a Retail Banking environment. 
• Prior exposure to data science and analytics.
• Knowledge of legislation and regulations governing banks including, but not limited to the following:
o Banks Act and Banking Regulations
o Basel Standards
o Financial Intelligence Centre Act (FICA)
o National Credit Act
o FAIS Act
o King IV Code on Corporate Governance
o FATF16
o CODI
o IIA Standards and Code of Ethics 
• Knowledge of combined assurance framework
• Impactful and insightful report writing
• Critical thinking, problem solving and analytical skills
• Communication and presentation skills
• Agile auditing